The question above basically answers it. I had virgin mobile but I'm tired of the full priced 2 year old phones. I'm thinking about making a switch to T-mobile. I've been out of high school for 4 months and have had a credit card for the same amount of time. I have a car loan (250 a month) in my name with a cosighner and make about $500 every two weeks depending on how much I work. Is this a good smart phone plan for me? The Iphone 5 from TMobile is 150 and the Iphone4 from vigin is 450. So you see my predicament.